Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Account Restrictions
You must be a student 23 years and younger to open this account.
Students
Monthly Service Fee
Upon the account holder's 24th birthday, this account will automatically turn into a Fundamentals Checking or BB&T Identity Protection Checking.During the life of this account, the student is allowed a refund for one of the following charges: insufficient funds, overdraft, stop payment, or money order.
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Debit Card with Rewards
BB&T Deals-earn cash back from participating retailers by using debit card for purchases
$0.00/yr
Non-affiliated ATM Usage Fee
2 no fee non BB&T ATM Transactions per statement cycle, then $3.00
$3.00/per use
International ATM Usage Fee
If account opened in IN, KY, or OH, there is a $5.00 fee each time you use anATM after 4 uses per month. If account opened elsewhere, there is a $5.00 fee each time you use an international ATM after 2 uses per month
$5.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A BlackBerry application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, deposit checks, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, deposit checks, locate ATMs;- An iPad application to view account balances, view recent activity, pay bills, and open accounts.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone and Android mobile application.
Free
Person-to-Person Payments
Zelle
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- The bad news that your account balance is below $0;- Reminders that bills are coming due for payment;- Confirmation that bills have been paid;- An email to let you know there's a secure message for you in Online Banking.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
There is a $3.00 monthly fee to receive paper monthly statements.
$3.00/month
Check Images with Statements
Not Included
Online Statements
Yes
Online Check Images
Images of canceled checks are included in monthly statements.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $36.00 fee on the seventh calendar day with less than a $0.00 balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $36.00 per overdraft.
$36.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $12.50. The transfer fee is charged for every $100.00 of negative balance;- Funds are transferred in fixed increments of $100.00.From a linked Credit Card Account:- Transfer fee of $12.50. The transfer fee is charged for every $100.00 of negative balance;- Funds are transferred in fixed increments of $100.00.From a linked Overdraft Line of Credit:- Transfer fee of $12.50. The transfer fee is charged for every $100.00 of negative balance;- Funds are transferred in fixed increments of $100.00.